What Determines Your Central Oregon Car Insurance Premium?

Central Oregon Car Insurance is something that everyone needs if they are going to drive legally on the roads of Bend, Redmond, Prineville or anywhere in Central Oregon but sadly the average driver in this area doesn’t know what really determines their car insurance costs.

In this post were going to breakdown what factors insurance companies use when determining a car insurance premium so you will be more prepared and know what to expect the next time you search for a Central Oregon Car Insurance quote.

Your Age

The first factor that car insurance companies use when determining your car insurance premium is your age. Sadly, not all drivers can expect to pay the same car insurance premium, for example, drivers who are between the ages of 16 and 25 can expect to pay more for Central Oregon Car Insurance since statistics show that this age group has the most accidents while drivers between the ages of 26 and 60 will pay less for car insurance because, statistics show that they are safer than their younger counter parts, especially if they are married.

What Vehicle Do You Own?

Yes, you can expect to pay more for Central Oregon Car Insurance on some vehicles than for others because, statistics show that some vehicles are prone to be stolen more than others and sadly there are vehicles on the market today that drivers will sustain more injuries from, if they are involved in a car accident, compared to others.

Before purchasing a vehicle it’s a smart decision to contact your insurance agent to get a car insurance quote because, this simple step can save you hundreds of dollars in insurance costs and the hassle of buying a vehicle that might be more expensive than what it’s worth.

Driving Record – The Most Important Of All

Last of all, but most important, your Central Oregon Car Insurance cost will be determined by your driving record. This is something that’s unavoidable but it’s a reality wherever you live.

If you want to maintain a low insurance premium make sure you drive responsibly and follow the rules of the road at all times because, this will reduce your risk of car accident and the potentially high car insurance costs that you could pay as a result of an accident.

To learn more about Central Oregon Car Insurance costs or to get an affordable car insurance quote contact the Farnsworth Agency today by calling us at (541) 318-8835.